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Gold Loan — Immediate Disbursal

Get the highest rate per gram for your gold jewellery. Instant approval, best interest rates, minimal documentation.

Why Gold Loan from Dhanam?

  • Instant Approval

    Get approved within minutes of application. Minimal documentation required.

  • Best Interest Rates

    Competitive interest rates with no hidden charges. Transparent pricing.

  • Highest Rate Per Gram

    Get the best value for your gold with our industry-leading rate per gram.

  • Safe Storage

    Your gold stored in our secure vaults. Insured. Zero risk.

Gold jewellery
Key Features

What You Get

Immediate Disbursal

Get cash in your account immediately upon approval. No waiting. No delays.

Fully Insured

Gold stored in tamper-proof vaults with comprehensive insurance covering theft, burglary, fire, and flood.

No Pledging Fee

We don't charge pledging fees. What you see is what you pay.

Flexible Repayment

Bullet repayment (max 12 months) or EMI-based. Pay via NEFT, RTGS, IMPS, UPI, cheque, or NACH auto-debit.

Easy Top-ups

Add more gold to your loan for additional funds. Quick approvals.

Redemption Anytime

Redeem your gold whenever you want. No lock-in period. Your gold, your rules.

Transparency & Security

Policy Protections

Key Fact Statement

We provide a detailed Key Fact Statement before disbursement with all terms, interest rates, charges, and repayment schedules disclosed upfront. No surprises.

Auction Protection

If your loan defaults, we conduct public auctions with notice in regional and national newspapers. Reserve price minimum 90% of market value. Surplus returned within 7 working days.

Loan Details at a Glance

All the key information you need

Loan Amount
Up to ₹1 Crore
Loan to Value (LTV)
Up to 85%
Interest Rate
Best in Industry
Gold Types Accepted
24, 22, 20, 18 KT
Required Documents
Aadhaar + Photo
Disbursal Time
Immediate
Prepayment Penalty
No Penalty
Loan Tenure
Flexible (12 months)

LTV Tiers

Loan Amount LTV Ratio
Up to ₹2.5 Lakh 85%
₹2.5 Lakh to ₹5 Lakh 80%
Above ₹5 Lakh 75%
Who Can Apply

Simple Eligibility

  • Age: Minimum 18 years
  • Gold: All gold jewelry and ornaments (purity assessed by certified assayers)
  • Documents: ID proof (Aadhar, passport, driving license) and address proof. PAN mandatory for loans above Rs 5 lakh
  • Valuation: Gold valuation by certified assayers in your presence with full transparency
Quick Process

3 Simple Steps

1

Bring Your Gold

Visit any Dhanam branch with your gold jewellery and ID proof.

2

Certified Valuation

Certified assayers weigh and test your gold in your presence. Full transparency with weight of stones deducted.

3

Get Cash

Cash in hand or transferred to your bank account immediately.

Need instant cash?

Get a gold loan with immediate disbursal. No questions, no hassle. Visit our nearest branch today.

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